11/15/2023

Hoʻolauna iā HELOC

HELOC, i ʻike ʻia ʻo Home Equity Line of Credit, he ʻano hōʻaiʻē e hiki ai i nā mea hale ke hōʻaiʻē kālā e pili ana i ke kaulike a lākou i hōʻiliʻili ai i kā lākou waiwai.He laina ʻaiʻē ia, ʻo ia hoʻi he hana like ia me kahi kāleka hōʻaiʻē: hāʻawi ʻia nā mea hōʻaiʻē i ka palena kiʻekiʻe hiki iā lākou ke huki mai, a hiki iā lākou ke lawe i ke kālā e like me ka mea e pono ai a hiki i ka palena.

Nā hiʻohiʻona nui o aHELOCkomo:

1. Hōʻaiʻē paʻa:
   Hoʻopaʻa ʻia ʻo HELOC (Home Equity Line of Credit) e ka home o ka mea ʻaiʻē, e lilo ia i hōʻaiʻē paʻa.Inā hōʻole ka mea hōʻaiʻē i kahi HELOC, hiki i ka mea hāʻawi ke hoʻopaʻa i ka home e hoʻihoʻi i kā lākou kālā.
2. Pono Kaulike:
   No ka loaʻa ʻana o kahi HELOC (Home Equity Line of Credit), pono nā mea nona ka hale e loaʻa i kahi nui o ke kaulike ma ko lākou home.ʻO ke kaulike ka ʻokoʻa ma waena o ka waiwai o kou home a me ke koena koʻikoʻi o nā kuleana āpau ma ka waiwai, e like me nā moraki a i ʻole nā ​​​​loina ʻē aʻe.
3. Hoʻolālā laina ʻaiʻē:
   Loaʻa i nā HELOC kahi manawa huki, pinepine 5-10 mau makahiki, kahi e hiki ai i ka mea hōʻaiʻē ke komo i ke kālā.Ma hope o ka manawa huki, hiki i kekahi mau HELOC ke ʻae i ka hana hou ʻana, a i ʻole ke komo ʻana i kahi manawa uku kahi i ʻae ʻole ʻia ai ka hōʻaiʻē hou, a pono e uku ʻia ke koena o kēia manawa ma kahi manawa i hoʻonohonoho ʻia.

ʻO ka maʻalahi o kahi HELOC

ʻO kekahi o nā pōmaikaʻi nui loa o aHELOC(Home Equity Line of Credit) kona maʻalahi.Hiki i nā mea hale ke hoʻohana i nā kālā i loaʻa no nā kumu like ʻole, me ka hoʻomaikaʻi ʻana i ka home, ka hoʻohui ʻana i ka aie, a i ʻole ke uhi ʻana i nā lilo pilikia.ʻAʻole like me nā ʻano ʻaiʻē ʻē aʻe, kahi e kaupalena ʻia ai ke kumu hōʻaiʻē, hāʻawi ka HELOC iā ʻoe i ke kūʻokoʻa e hoʻohana i ke kālā ma kahi e pono ai.

Ka Hoʻomaopopo ʻana i nā Koina: ʻAʻohe uku hāʻawi

ʻO ka uku hāʻawi kālā i loko o ka pōʻaiapili o ka moraki e hoʻopili ana i nā ʻano uku like ʻole e koi ʻia e ka hale hōʻaiʻē mai ka mea hōʻaiʻē no ka hana ʻana a me ke kālā ʻana i kahi hōʻaiʻē moraki.E like me:

1. Uku Hoʻomaka: ʻO kēia kekahi o nā uku hāʻawi mua a ua uku ʻia e ka mea hāʻawi no ka hana ʻana i ka hōʻaiʻē.Hoʻopili pinepine ia i ke kumukūʻai o ka hoʻoponopono ʻana i ka noi hōʻaiʻē, underwriting, a me ka hoʻomaka ʻana o ka moraki.
2. Uku Noi: He uku i kau ʻia e uhi i ke kumukūʻai o ke kaʻina hana noi mua, me ka nānā ʻana i nā hōʻaiʻē a me nā lilo hoʻokele.
3. Uku Underwriting: Hoʻopiʻi ka uku underwriting i ka mea hāʻawi kālā no ke kaʻina hana o ka loiloi a hōʻoia i ka noi hōʻaiʻē a me ka ʻike kālā a me ka mōʻaukala aie.

etc…

ʻO ka pōmaikaʻi, kā mākou PrimeHELOC(Home Equity Line of Credit) hiki mai nā koho me ka hiʻohiʻona hoihoi ʻaʻohe mea hoʻolimalima.ʻO ia hoʻi, ʻaʻole e uku ʻia ka mea hōʻaiʻē i nā uku hou aʻe e ka mea hāʻawi aku no ka hoʻonohonoho ʻana i ka laina o ka hōʻaiʻē.Prime HELOChe mea hana waiwai ʻoi aku ka maikaʻi no ka poʻe e ʻimi nei e hōʻemi i kā lākou hoʻolimalima kālā.

Ka pomaikai o ka uku makahiki haahaa

Uku Makahiki, he uku i kau ia e ka mea nana e haawi mai i kela makahiki keia makahiki no ka loihi o ka aie a i ole no kekahi manawa i hoakakaia ma na olelo aie.ʻO kēia uku no ka ʻoluʻolu o ka loaʻa ʻana i kēia laina o ka hōʻaiʻē a maʻamau e uku ʻia i kēlā me kēia makahiki ma ka lā makahiki o ka wehe ʻana i ka moʻokāki.ʻO kekahi pōmaikaʻi kālā koʻikoʻi o ke koho ʻana i kahi HELOC (Home Equity Line of Credit) ʻo ia ka hiki ke uku haʻahaʻa makahiki.ʻO kā mākouPrime HELOCe uku i ka uku makahiki $75, e like me ke kāleka aie.Eia naʻe, ʻoi aku ka haʻahaʻa o kēia mau uku ma mua o nā mea e pili ana i nā ʻano hōʻaiʻē ʻē aʻe, e hana ana i kahi HELOC i kahi koho kūpono no ka hoʻolālā kālā lōʻihi.He mea koʻikoʻi no ka poʻe ʻaiʻē e ʻimi i kahi huahana HELOC e hāʻawi i ka uku makahiki haʻahaʻa haʻahaʻa loa e hoʻonui ai i kā lākou waihona.

Ka hopena: ʻO ke ala akamai i ka hoʻololi kālā

I ka hopena, hiki i kahi Home Equity Line of Credit ke lilo i mea waiwai kālā maikaʻi loa no nā mea hale e makemake e hoʻopaʻa i kā lākou home equity.Me ka hiki ʻole ke uku ʻaiʻē a me ka uku makahiki haʻahaʻa, aPrime HELOChāʻawi i kahi pae o ka maʻalahi a me ke kumukūʻai paʻakikī e paʻakikī me nā koho hōʻaiʻē ʻē aʻe.E like me nā huahana kālā, pono e hana i ka noiʻi ʻana a noʻonoʻo i nā koho āpau i loaʻa ma mua o ka hoʻokomo ʻana i kahi Prime HELOC e hōʻoiaʻiʻo e kūlike me kāu mau pahuhopu kālā.

No AAA Lendings

Hoʻokumu ʻia i ka makahiki 2007, ua lilo ʻo AAA Lendings i mea hōʻaiʻē moraki alakaʻi me nā makahiki he 15 o ka maikaʻi.Hāʻawi kā mākou pōhaku kihi i ka lawelawe like ʻole a me ka hilinaʻi, e hōʻoia ana i ka ʻoluʻolu loa o kā mākou mea kūʻai.

He mea kūikawā ma kahi ākea o nā huahana Non-QM-meʻAʻole Doc ʻAʻohe ʻaiʻē, P&L i hoomakaukau ia iho, WVOE, DSCR, Waihona Waihona, Jumbo, HELOC, Hoʻopau Hope ʻEluanā papahana—alakaʻi mākou i ka mākeke hōʻaiʻē 'Non-QM'.Hoʻomaopopo mākou i ka paʻakikī o ka loaʻa ʻana o nā hōʻaiʻē a loaʻa iā mākou kahi 'Loan Arsenal' e hoʻokō i kēia mau pilikia.ʻO kā mākou komo mua ʻana i ka mākeke Non-QM ua hāʻawi iā mākou i ka ʻike kūikawā.ʻO kā mākou mau hana paionia ʻo ia hoʻi mākou e hoʻomaopopo i kāu mau pono kālā.Me nā AAA Lendings, ʻoi aku ka maʻalahi a hiki ke loaʻa i kāu mau pahuhopu kālā.

Ua kōkua mākou ma kahi o 50,000 mau ʻohana i ka hoʻokō ʻana i kā lākou mau moemoeā kālā, me ka hāʻawi kālā ʻana ma mua o $ 20 biliona.ʻO ko mākou kūlana koʻikoʻi ma nā wahi koʻikoʻi e like me AZ, CA, DC, FL, NV, a me TX e hiki ai iā mākou ke lawelawe i ka lehulehu ākea.

Me ka ʻoi aku o 100 mau ʻelele i hoʻolaʻa ʻia a me nā hui underwriting a me nā hui loiloi hale, hōʻoia mākou i kahi kaʻina hōʻaiʻē maʻalahi a me ke kaumaha ʻole.

wikiō:HELOC: ʻO ke koho hoʻolimalima kālā kūpono no nā mea hale

ʻŌlelo: Ua hoʻoponopono ʻia kēia ʻatikala e AAA LENDINGS;Ua lawe ʻia kekahi o nā kiʻi mai ka Pūnaewele, ʻaʻole i hōʻike ʻia ke kūlana o ka pūnaewele a ʻaʻole hiki ke paʻi hou ʻia me ka ʻole o ka ʻae ʻia.Aia nā pilikia ma ka mākeke a pono e makaʻala ke kālā.ʻAʻole kēia ʻatikala i ka ʻōlelo aʻoaʻo pilikino pilikino, ʻaʻole hoʻi e noʻonoʻo i nā pahuhopu waiwai kikoʻī, kūlana kālā a i ʻole pono o nā mea hoʻohana pākahi.Pono nā mea hoʻohana e noʻonoʻo inā kūpono nā manaʻo, nā manaʻo a i ʻole nā ​​manaʻo i loko o kēia i ko lākou kūlana.E hoʻolilo e like me kou pilikia.